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<TITLE>MARC User Non-Disclosure Agreement.American Express</TITLE>
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<font color="#056094" face="arial" style="font-weight: bold" size="3">Microstrategy Non-Disclosure Agreement </font>
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By clicking "I agree", you understand and agree that your use of the MicroStrategy enabled applications is for internal American Express use only.  All MicroStrategy application reports and data constitute confidential and proprietary information of American Express, and no reports or data may be shared with any third party.

American Express does not publish the number of Locations in Force (LIF) externally. In addition, LIF data cannot be shared with Amex Employees outside GMS nor externally without a Formal Disclosure Exemption and Exception Process, as per Global Coverage Disclosure Policy.  There is no industry standard for determining the number of credit card accepting locations. Each network uses a different methodology in counting, so a simple comparison of raw LIF numbers does not yield an accurate comparison of acceptance. 

Most Bank card networks include ATM and multiple point of sale terminals in a single location merchant as LIF. For example, a drugstore with 5 POS terminals and an ATM machine might be counted as 6 LIF. In comparison, American Express does not include ATMs as part of LIF. 

In addition, we continue to make considerable efforts to 'scrub' our database of inactive merchants, merchants who might have gone out of business, or who no longer accept plastic. We are not aware, and cannot comment, if other networks adopt similar rigor to clean their database.

Please note that there are instances where LIF may still reside on SEIMS, but have migrated to Genesis for submission and settlement. Moreover, there are instances where LIF may still reside on Genesis, but have migrated to a GNS platform for submission and settlement. Both instances may cause duplicates within the LIF count reported.

The information contained in this system is confidential and intended solely for authorized users.  Any employee data gathered by this system will only be collected for legitimate purposes and will be kept confidential and safeguarded in accordance with local law.  The inappropriate use or disclosure of any data in this system may result in disciplinary action up to and including termination of employment at American Express.

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<tr><td><span class="copyright"><FONT color="gray" size="2">Copyright &#169; 2009 American Express Company</font></span></td></tr>
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